The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$81,441
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,974
−HK$2,574/mo
Today · 4.125%
HK$86,548
baseline
▲ 0.50% · 4.625%
HK$91,815
+HK$5,267/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,096/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,603
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,032
−HK$2,465/mo
Today · 4.125%
HK$95,497
baseline
▲ 0.50% · 4.625%
HK$100,531
+HK$5,034/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$190,994/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,729
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,769
−HK$3,089/mo
Today · 4.125%
HK$103,858
baseline
▲ 0.50% · 4.625%
HK$110,177
+HK$6,319/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,716/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,723
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,639
−HK$2,958/mo
Today · 4.125%
HK$114,597
baseline
▲ 0.50% · 4.625%
HK$120,638
+HK$6,041/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,194/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,018
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,564
−HK$3,604/mo
Today · 4.125%
HK$121,168
baseline
▲ 0.50% · 4.625%
HK$128,540
+HK$7,372/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$242,336/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,844
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,245
−HK$3,451/mo
Today · 4.125%
HK$133,696
baseline
▲ 0.50% · 4.625%
HK$140,744
+HK$7,048/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$267,392/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,594
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,154
−HK$4,633/mo
Today · 4.125%
HK$155,787
baseline
▲ 0.50% · 4.625%
HK$165,266
+HK$9,479/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,574/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,085
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$167,458
−HK$4,437/mo
Today · 4.125%
HK$171,895
baseline
▲ 0.50% · 4.625%
HK$180,956
+HK$9,061/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,790/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,922 · Scale 2, in force from 26 Feb 2026)